Submitted by: Linda from Johnstown, PA
Saute onion, peppers and garlic for about 5 minutes. Add all ingredients to a crockpot, except for cheese. Cook on low for 4 - 5 hours. Stir once in a while.
Put cheese on top of each bowl and serve.
This is good with a crusty bread. If you use tofu it takes on the flavor of the chili and makes it a little thicker. Squeeze water out of tofu and crumble it into the pot. For vegan chili, omit sugar and cheese.